Privacy Policy

GuruPayback is a consumer advocacy service operated by DMM Growth Solutions LLC ("GuruPayback," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and protect the personal information you provide when you use our website at gurupayback.com (the "Site") or engage our services.

By using our Site or submitting a case review request, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

Information you provide directly: When you submit a case review form or contact us by email, we collect:

• Your name and contact information (email address, phone number)
• Details about your situation — the company or program involved, the amount you paid, what you were promised, and what documentation you have
• Any communications you share with us related to your case
• Payment information if and when a contingency agreement is executed (processed securely through third-party payment processors — we do not store full card numbers)

Information collected automatically: When you visit our Site, we may automatically collect:

• Browser type and version, operating system, and device type
• Pages visited, time spent on pages, and referring URLs
• IP address and approximate geographic location (city/region level)
• Cookie and tracking data as described in Section 7

2. How We Use Your Information

We use the information we collect for the following purposes:

• Case evaluation: To review your situation and determine whether and how we can help you recover funds
• Service delivery: To pursue your chargeback, prepare demand letters, coordinate with attorneys, and communicate progress with you
• Communication: To respond to your inquiries, provide updates on your case, and send you information relevant to your recovery
• Legal compliance: To comply with applicable laws, regulatory requirements, or valid legal processes
• Site improvement: To understand how our Site is used and to improve its content and functionality

We do not use your personal information for advertising, marketing to third parties, or any purpose unrelated to your case or our direct services to you.

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share it only in the following limited circumstances:

• Attorneys and legal professionals: If your case escalates to Stage 3, we share your case file with independent licensed attorneys in our network who will represent you. These attorneys are bound by professional confidentiality obligations.
• Service providers: We may share information with third-party vendors who help us operate our business (email hosting, document storage, payment processing). These providers are contractually prohibited from using your data for any other purpose.
• Regulatory bodies: As part of our Stage 2 process, we may submit formal demand letters or complaints that reference your situation to the FTC, state Attorneys General, or other consumer protection regulators. This is done as part of pursuing your recovery — we will always notify you before filing such submissions.
• Legal requirements: We may disclose information if required by law, subpoena, or court order, or if we believe disclosure is necessary to protect our rights or the safety of others.
• Business transfer: If DMM Growth Solutions LLC is acquired or merged with another company, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a different privacy policy.

4. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including for the duration of any active case and for a reasonable period afterward to comply with legal obligations and resolve any disputes.

For cases where no engagement agreement is executed (e.g., case review inquiries that don't proceed), we typically retain contact information and case notes for up to two years. After that period, we delete or anonymize the information unless there is a legitimate legal reason to retain it.

You may request deletion of your information at any time by contacting us at cases@gurupayback.com. Deletion requests will be honored except where we are required by law to retain certain records.

5. Security

We take the security of your personal information seriously. We implement industry-standard technical and organizational measures to protect your data from unauthorized access, disclosure, alteration, or destruction.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal information using commercially acceptable means, we cannot guarantee its absolute security. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately at cases@gurupayback.com.

We strongly recommend that when sharing documentation related to your case, you use email rather than posting sensitive information in publicly accessible channels.

6. Your Rights

Depending on your state of residence, you may have the following rights with respect to your personal information:

• Access: The right to request a copy of the personal information we hold about you
• Correction: The right to request correction of inaccurate personal information
• Deletion: The right to request deletion of your personal information, subject to legal retention requirements
• Portability: The right to receive your personal information in a portable, machine-readable format
• Opt-out: The right to opt out of any communications not directly related to your active case

Residents of California have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is sold or disclosed for business purposes. We do not sell personal information.

To exercise any of these rights, contact us at cases@gurupayback.com. We will respond to all verified requests within 30 days.

7. Cookies and Tracking

Our Site may use cookies and similar tracking technologies to improve your browsing experience and understand how the Site is used. Cookies are small text files stored on your device.

We may use:

• Essential cookies: Required for the Site to function properly
• Analytics cookies: To understand Site usage patterns (e.g., Google Analytics with IP anonymization enabled)

You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our Site. We do not use cookies for advertising or behavioral targeting.

8. Children's Privacy

Our services are intended for adults who have entered into commercial transactions and are seeking recovery of funds. Our Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately at cases@gurupayback.com and we will promptly delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make material changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this policy periodically. Your continued use of our Site or services after any changes constitutes your acceptance of the updated policy. If you have an active case with us at the time of a material change, we will notify you directly by email.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: cases@gurupayback.com
• Company: DMM Growth Solutions LLC, operating as GuruPayback

We take privacy inquiries seriously and will respond promptly to all requests.